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MBNA credit limit increased
Woohoo, just increased from £28k to a whooping £55k limit. Meanwhile Barclaycard increased my limit by £200...
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Paypal credit question
Have just been given £3000 Paypal credit, as we plan to refurnish our bedroom and replace the flooring in there. The 4 months interest free offer, can you have 2 or 3 different purchases rolling over at the same time? So if i bought flooring in January for £400, could I buy bed and mattress in March for £800 so the January…
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First credit card question.
I am looking to get my first credit card to help spread a large purchase over a couple months. I am currently looking at the Virgin Money - 27 months 0% on spending as I have been 100% pre-approved via the tool on this site. I am reading online that I should setup a direct deposit to pay the minimum monthly payment so that…
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Complicated situation
Hello, I'm a British citizen that has been living abroad for 4 years now, I am recently divorced and moved back to the UK in July of this year and immeditately added myself to the electoral register etc. I'm back living temporarily at my Mums house and whilst I have no job based income I do recieve monthly spousal support…
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Applying for a credit card I closed down fairly recently?
I know once an account is closed, it's closed for good, so I completely understand. At the beginning of 2016, I established I would be abroad for some time over the Summer this year, so when looking for credit cards I could use for no extra charge, the Lloyds Avios card was what I chose. The card was really good, although…
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Recommend me for a Tesco Credit Card
Hi there I recently opened a Tesco credit card and know that they do an offer where an existing customer can recommend someone for 1,000 Clubcard points (for both the referring and referred person). This can happen even after the credit card has been opened. You just need to fill in this…
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Repeat balance transfer
I have a Barclaycard which has 7k outstanding balance with some decent balance transfers available: 0% 18 months for 1.9% fee. The current 7k is at 0% until April when it will go to standard rate. I'm hoping to have the balance down to about 3k by then. When the time comes, if i apply for another balance transfer and I am…
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Still unable to get accepted for the Halifax Clarity card?
I would like a credit card that I can use abroad for mainly general purchases but I do like how the Clarity card gives free cash withdrawals abroad too. I did get accepted for the Lloyds Avios cards earlier this year but due to poor service and I realised the £24 yearly fee just wasn't worth it, I closed the account down.…
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Capital One chasing unknown debt
Some advice needed please. My sister has an old Capital One credit card which she has had for about 10 years. About 2 years ago she done a balance transfer of the full amount to a new card, but kept the Capital One card for emergencies. Now she hasn't used it for the 2 years since the transfer and has had no statements…
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Payback Time
Been on holiday and maxed out 3 cards ( max £1500) per card I usually pay balance off monthly, but cannot do so in coming months. Can someone please advise the best way to clear them all: Should I pay minimum on 2 and pay 'set aside for cards' amount to clear one at a time, or pay as much as I can off all three each month…
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Barclaycard Interest
Hi - I just wanted to share my experience of today - after reading ML's advice on managing your CC's - I called Barclaycard (I have almost £4k on a card with them) and asked them if there was anything they could do to help me as I was struggling to clear my balance on the curent interest rate - 24.6% - they moved my…
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Balance transfers now Lloyds have bought MBNA
I owe about 3k currently interest free on my Lloyds card, my other cards (MBNA and Halifax) are free of debt. My interest free period runs out in May and I was hoping to do a balance transfer to my MBNA card when that happens. Will this be possible now that Lloyds have bought MBNA? Lloyds have previously not allowed me to…
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Cant remember how long 0% period is
Hi I've tried the Halifax website and Google but can't find any information on when my 0% period ends. Have i missed it? or do i need to phone? Thanks
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Best companies for 'soft search?'
Looking to find out eligibility for a new credit card and was wondering which companies allow you to do an eligibility soft search? Tried the one here and it all looks ok, just wanted to see a fuller list before deciding.
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Do price protection credit cards still exist?
I remember when I was a child there was a TV advert for a credit card (I think it was barclaycard) that refunded the difference if you bought something & then within a certain time the price dropped in a sale. Do cards like this still exist?
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Credit Card with free travel insurance?
Been looking for a credit card with free travel insurance but I haven't been able to find one for over 70s. Anybody know of one, even if theres an annual charge for the card it's likely to be less than an insurance premium!
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Chances of appealing a declined credit card application?
Hi all, As the title suggests, what are the chances of appealing a declined credit card application? Has anybody ever successfully managed to do this? Cheers
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cancelled direct debit
Hi all Does anyone have any experience about bank cancelling direct debits? I have a credit card with the Post Office, which i have had since 2013. I set up a direct debit for the minimum payment. I cleared the card and not used it since March 2016. In September I helped a family member (yes this is where it gets messy)…
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transfer credit limit to another and close account
I have 2 barclaycards and i want to close one card and transfer the limit to the other barclaycard. i was advised by an adviser that i can do this, but now they are saying i cant because they recently increased my limit on the card i want to keep open. The adviser who suggested that i close the account and transfer the…
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OMG Worried. Transactions not showing on new Barclaycard!!
So I started using my new Barclaycard yesterday and have bought the following with it: 20th Dec 2016 - Train tickets (using Contactless) - Lunch at my workplace (using Contactless) - Groceries at Aldi (using Contactless) 21st Dec 2016 - Lunch at my workplace (using chip & pin) - Groceries at Tesco (using Contactless) The…
